The dos Santos Group at Morgan Stanley

The dos Santos Group at Morgan Stanley

399 Park Avenue 12th Floor, New York, NY 10022 212-893-6310 / MAIN 800-646-6301 / TOLL-FREE 646-862-9748 / FAX www.morganstanleyfa.com/dossantosgroupsb dossantosgroup@morganstanley.com

The dos Santos Group at Morgan Stanley Managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long term goals. As Financial Advisors, we are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and professionals who can help you make a more informed decision on any financial issue. Our most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you. THE DOS SANTOS GROUP 3

Meet the Professionals We believe that working as a team helps to provide you with access to the most appropriate solutions, and helps to ensure that you benefit from the highest levels of service. While we bring complementary skills and perspectives to our clients, we also share a commitment to responding to your needs promptly, professionally and thoroughly. Our goal is to earn your confidence not only through the quality of solutions we provide to you, but also the excellence with which we deliver them. 4 MORGAN STANLEY

Domitilia M. dos Santos Senior Investment Management Consultant Senior Vice President - Wealth Management International Client Advisor Domitilia dos Santos is a Senior Vice President of Wealth Management, Senior Portfolio Management Director and Senior Investment Management Consultant at Morgan Stanley. She manages assets for small institutional investors, as well as for several high net worth, private clients. In addition to serving as an Arbitrator and Hearing Officer with the North American Securities Dealers (NASD) and the New York Stock Exchange (NYSE), Ms. dos Santos has lectured on finance and investments at several institutions including: New York University, The New School for Social Research and the City University of New York. Currently, Domitilia is a visiting lecturer at Catolica University in Lisbon, Portugal teaching courses for their Masters of Finance Program. Born in Faro, Portugal, Domitilia received a B.A. in Political Science and History from Drew University in 1976 and a J.D. from Rutgers School of Law in 1979. Fluent in Portuguese, Spanish and French, Domitilia joined the Secretariat of the United Nations as an Associate Legal Officer after graduating law school. She began her investment career at Merrill Lynch in 1983 and joined Morgan Stanley in 1984 as a Financial Consutant Associate. In 1992, Domitilia formed "The dos Santos Group," a team of six dedicated investment professionals who focus on providing proactive client service in asset management. Ranked in the top 2% of her field, Domitilia is a member of the firms Directors Council. In January of 2004, Domitilia received the Honorable Medal of Merit from the government of Portugal. She has acted acted as an advisor to the Portuguese government on matters relating to trade and commerce. In 2006, the Portuguese American Leadership Council of the United States awarded Domitilia the Business Leadership Award. Active in the local community, Domitilia is Past-President of the Portugal U.S. Chamber of Commerce and Director of the Portuguese American Society. Presently, Domitilia is a member of the Foreign Policy Association and The Economic Club of New York. THE DOS SANTOS GROUP 5

Sandeep L. Belani Senior Portfolio Manager Senior Vice President - Wealth Management Sandeep leads the investment strategy and portfolio management for The dos Santos Group. With over 10 years of experience trading equities, options and futures, he has developed analytical models to forecast market, industry and stock trends. Sandeep uses these models in conjunction with outside research to build client portfolios and manage portfolio risk. Graduating cum laude from Syracuse University, Sandeep holds a Bachelor of Science degree in both Finance and Entrepreneurship. He is currently a member of the Market Technicians Association. Sharon Hayut, CFP Second Vice President - Wealth Management Financial Advisor Sharon heads the teams generational planning and specializes in providing customized solution and financial advice to The dos Santos Group clients. Her areas of expertise include wealth preservation and distribution, education planning, budgeting, retirement planning and investment allocation. Prior to her career as an adivsor, Sharon was the CEO and Co-founder of an international marketing company. She is a dedicated philanthropist and chairs several charity events in the New York City area, including teaching financial literacy to children. Mark Giordano Wealth Management Associate Mark joined the Dos Santos Group at Morgan Stanley in October of 2014. His responsibilities include managing client relationships, business development, and implementing financial plans to assist clients with retirement planning, estate planning strategies, education planning, and retirement income planning. In addition to holding a Bachelor s degree in International Business from Loyola College in Maryland, Mark received a Master of Letters designation from the University of St. Andrews (Scotland) in International Business. Mark also holds his securities licenses. In his spare time, Mark is actively involved with his rugby team, Lansdowne RFC, as both player and captain. 6 MORGAN STANLEY

Pamela Padilla Senior Client Service Associate Pamela joined The dos Santos Group as a Senior Client Service Associate in 2010 with 7 years of financial services experience. In this role, she works closely with the Group's high net worth clients to help facilitate superior client service and account maintenance. With client service being her primary focus, Pamela coordinates the group s overall day-to-day operations. Pamela currently holds a Bachelor of Science in Finance from St. Francis College.

For Life's Most Important Goals With experienced professionals and the right resources, reaching your most important goals can be less challenging and more rewarding. We are ready to help you meet your goals, by combining our insights into your needs with the resources of Morgan Stanley. Setting a confident course Thorough, thoughtful planning planning that analyzes where you are as well as where you want to go is the most important step in establishing a path to your goals. We will work with you to explore and define your objectives and needs, and then structure a plan that is uniquely your own. Balance sheet analysis Retirement planning Education planning Estate planning Multigenerational planning Insurance Strategic consulting and transactions Managing the rewards of success Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes and goals as an investor with careful analysis of the financial markets and the risks and opportunities they hold for you. You can rely on us for objective strategic advice in structuring your portfolio and for careful analysis of any investments we consider together. Asset allocation Investment management Traditional investments Alternative investments Structured investments Separately managed accounts

Shaping your retirement Together, we can work to make decisions that could help you move toward the retirement you expect. Whether you are building retirement wealth or making the transition to generating income from your assets, We can help you develop and implement a strategy based on your vision of retirement. IRAs: - Traditional - Roth IRA rollovers Roth conversions Building a unique legacy Estate planning typically brings together the dimensions of life: personal, family, financial and charitable. We will work with you to understand the connections between your life and legacy goals, and work with your accountant and attorney to help you develop a strategy to position your portfolio appropriately. Educating new generations Helping to meet the education costs of children and grandchildren may be one of the most attractive and personally fulfilling investment opportunities available to you. We can help you access appropriate investment vehicles 529 plans and custodial accounts. Giving back through philanthropy Many successful individuals seek opportunities to support cultural and educational institutions, and nonprofit organizations and activities. Properly undertaken, charitable giving can provide planning flexibility and benefits for you. We can help you analyze and implement a strategy that rewards you while it benefits causes you care about. Charitable lead and remainder trusts Family foundations Strengthening your business The links between business ownership and personal wealth are many and complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale, or maintain family ownership by the next generation, we can examine your alternatives in light of both business and personal objectives. And, should circumstance require it, we can use the access to banking services of Morgan Stanley. Credit facilities Cash management Retirement plans Strategic consulting and transactions Succession planning Protecting your wealth Insurance can play a critical role in virtually any comprehensive financial strategy, helping you to protect the value of your assets, protect your income and your family s financial security even perform important functions in a business succession or estate plan. We can help you analyze your current insurance portfolio and work to update your coverages to fulfill personal and strategic goals. Life and disability income insurance Life insurance trusts Meeting current liquidity and banking needs Managing personal cash and securing liquidity for personal needs and opportunities are the day-to-day aspects of implementing a financial strategy. We can help you meet your personal cash management and borrowing needs while thinking strategically about how approaches may affect current and longterm costs and taxes. Home finance Lending services Debt restructuring Securities-backed loans THE DOS SANTOS GROUP 9

We Work to Understand the Full Scope of Your Financial Picture It starts with listening. We ask questions regarding your needs and dreams, your tolerance for risk, your time horizon and then listen. It s an ongoing process through which we strive to know all we can about you, your family, your business (if applicable) and your short- and long-term goals. This period of discovery helps us make informed recommendations and design a flexible wealth management plan that is uniquely yours. 1 2 1 Discovery process Identify your goals, values, dreams, special concerns/challenges 2 Develop investment strategy Determine risk tolerance Analyze current investment portfolio Develop asset allocation strategy Portfolio construction 10 MORGAN STANLEY

The Client Experience 3 4 5 6 7 8 9 10 3 Investment strategy meeting In-person meeting to present recommended investment strategy 5 Follow-up meeting In-person meeting to discuss: First statements Organization of paperwork Set up online account access (and review online resources) Develop schedule for 7 Wealth management plan meeting In-person meeting to present comprehensive wealth management strategies 9 Ongoing monitoring of investment strategy and wealth management plan Develop schedule for review meetings future review meetings Schedule wealth management plan meeting 4 Execution of investment strategy Open new accounts Transfer existing assets Conduct trades to execute agreed-upon investment strategy 6 Develop comprehensive wealth management plan Financial planning Retirement planning Access to banking and lending services Education planning Business succession planning Charitable giving Family dynamics Estate planning management Plan meeting 8 Execute wealth management plan Ongoing execution of wealth management strategies 10 Re-evaluate investment strategy based on changes to goals, objectives and/or expectations Adjust investment portfolio and/or wealth management plan in light of any changes CRC#410861 7179733 03/2015

Risk Management Retirement Integrated Planning Investment Management Liquidity Estate Planning

Education Funding Business Strategies A CULTURE of EXCELLENCE OVER THE YEARS, YOU WILL MAKE MANY FINANCIAL DECISIONS. ONE IN PARTICULAR IS LIKELY TO HAVE A LASTING IMPACT ON YOUR WELL BEING AND THAT OF YOUR FAMILY: THE CHOICE OF A FINANCIAL ADVISOR. Charitable Pursuits Thoughtful decision-making usually begins with a lot of questions. As you get answers and information, you can develop a framework for evaluating different choices and strategies. Little by little, you gain both the knowledge andtheconfidencetomakedecisions and create a wealth plan that helps you achieve your goals. You will find your Morgan Stanley Financial Advisor to be a source of objective information and ideas as you begin to assess how to best manage your wealth. Over the course of many years, our firm and Financial Advisors have developed an in-depth understanding of virtually all the challenges, goals, preferences, styles and strategies that distinguish wealthy investors. This experience is combined with access to a wide array of resources designed to help you maximize what you have and accomplish your specific goals whether you are preparing for the cost of educating children, managing risk in your portfolio or finding ways to increase the impact of your charitable contributions. Your Financial Advisor is an advocate within our firm, an intelligent editor who selects and aligns the many capabilities of Morgan Stanley for you, delivering resources to you in the way that is appropriate for how you invest and what you want to achieve.

Start the Conversation We are dedicated to providing you with the strategies and resources that can help you achieve your retirement goals in today s changing financial environment. The Retirement Standard is meant to help connect all the pieces of your financial life with a comprehensive plan of action designed to help put you on a path to the retirement you envision. 14 MORGAN STANLEY

This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. The strategies and or investments discussed in this material may not be suitable for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Financial Advisor.The appropriateness of a particular investment or strategy will depend on an investors individual circumstances and objectives. 2015 Morgan Stanley Smith Barney LLC. Member SIPC. 7179733 03/2015 CRC 1058541